Foil composite card

ABSTRACT

Composite cards formed in accordance with the invention include a security layer comprising a hologram or diffraction grating formed at, or in, the center, or core layer, of the card. The hologram may be formed by embossing a designated area of the core layer with a diffraction pattern and depositing a thin layer of metal on the embossed layer. Additional layers may be selectively and symmetrically attached to the top and bottom surfaces of the core layer. A laser may be used to remove selected portions of the metal formed on the embossed layer, at selected stages of forming the card, to impart a selected pattern or information to the holographic region. The cards may be ‘lasered’ when the cards being processed are attached to, and part of, a large sheet of material, whereby the “lasering” of all the cards on the sheet can be done at the same time and relatively inexpensively. Alternatively, each card may be individually “lasered” to produce desired alpha numeric information, bar codes information or a graphic image, after the sheets are die-cut into cards.

This application is a continuation application of my co-pending application Ser. No. 12/006,168 filed Dec. 31, 2007 and titled Foil Composite Card, the contents of which are incorporated herein by reference.

BACKGROUND OF THE INVENTION

The invention is directed to the manufacture of a multi-layered (composite) card, or any like instrument or document.

The term “card” or “cards” as used herein, and in the appended claims, is intended to include a large variety of documents and instruments such as a financial cards, identification (including a National ID or Driver's License) cards, electronic passport pages, gift cards, documents for holding permanent and long lasting records such as medical records or security cards, or other plastic cards used for promotion of a product or organization.

Various means of producing an improved composite card are disclosed in U.S. Pat. No. 6,644,552, titled Composite Card and issued to John Herslow, the applicant of this application, the teachings of which are incorporated herein by reference. However, there remains a demand for increasing the security of the cards (documents and/or instruments) being formed and used. For example, FIG. 4 of the '552 Patent, shows security elements formed in a top layer 17 and FIG. 6 of the '552 Patent discusses the addition of holographic material and other security indicia after the sheets are cut into standard cards.

Thus, to increase the security of a card, it is known to form holograms on the card. Generally, the holograms may be formed by a hot stamping method at, or near, the top (or bottom) surface (level) of the card. A disadvantage to so placing the holograms is that a counterfeiter may be able to alter the card without the tampering being readily apparent to someone examining or accepting the card. Also, positioning the hologram close to the top or the bottom surface of the card creates an asymmetry in its construction, whereby, when the temperature varies, different portions (layers) of the card may be placed under different degrees of tension and contraction resulting in stresses which tend to distort the card and/or the hologram (e.g., the card fails to remain flat). Still further, when the hologram is placed at, or near, the top or the bottom surfaces it may be easily and inadvertently scratched or marred.

Due to the highly sensitive nature of the “secure” cards, of interest, it is critical that they be made tamper resistant and sturdy and to last for a long time (e.g., more than 5 years) even where high temperature levels (hot or cold) and a high degree of humidity are encountered. It is also desirable that they be relatively inexpensive to fabricate and, very importantly, that the card be virtually impossible to be altered without destroying the card or the easy detection of the alteration.

SUMMARY OF THE INVENTION

Accordingly, composite cards formed in accordance with the invention include a security layer formed at the center, or core layer, of the cards. Cards embodying the invention may include a hologram, or diffraction grating formed at, or in, the center, or core layer, of the card with symmetrical layers formed above and below the center or core layer.

A hologram may be formed by embossing a designated area of the core layer with a diffraction pattern and vapor depositing a very thin layer of metal or metal compound (e.g., aluminum, zinc sulfide, etc . . . ) on the embossed layer. Then, additional layers are selectively attached to the top and bottom surfaces of the core layer. In accordance with the invention, for each additional layer attached to the top surface of the core layer there is a corresponding like layer attached to the bottom surface of the core layer for producing a highly symmetrical structure (sandwich).

In accordance with one embodiment of the invention, all the layers are made of a clear synthetic (e.g., plastic) material, whereby the pattern formed on, or within, the core layer may be seen by looking down at the top of the card or by looking up at the bottom of the card.

The layer of metal or metal compound deposited on the core layer may be made very thin to provide a “see-through” effect, under appropriate light conditions. However, where the layer of metal or metal compound deposited on the core layer is of “standard” thickness, the pattern may only be seen from the top or the bottom side of the core.

After the hologram is formed, a laser may be used to remove selected portions of the metal formed on the embossed layer to impart a selected pattern or information to the holographic region. In accordance with the invention, this step in making a card or a set of cards may be performed when the card or cards being processed are attached to, and part of, a large sheet of material, whereby the “lasering” of all the cards on the sheet can be done at the same time and relatively inexpensively.

In accordance with the invention a hologram may be formed in the core portion of card and if the hologram includes a metal layer, laser equipment may be used to modify and/or alter the metal pattern at selected stages in the process of forming the card. Alternatively, after the sheets are die-cut into cards, each card may be individually “lasered” to produce desired alpha numeric information, bar codes information or a graphic image.

Embodiments of the invention may include the use of a polyester film, or any other carrier, which includes a metallic or a high refractive index (HRI) transparent holographic foil that is pre-laminated between two sheets of a material (which could be PVC, PET or other thermo-plastic resin) that has a thermo-plastic adhesive (which may have, but not necessarily has, been previously applied). The pre-laminated holographic foil can have an unlimited number of patterns and may also be configured to include one, or several individual, hologram designs repeated in rows and columns across an entire sheet. The holographic design may also have the appearance of full metal, or partial metal and partial white coverage (white reflecting hologram) on each individual card in the matrix. Utilizing this holographic foil pre-laminate in concert with standard plastic card materials, enables a plastic card manufacturer to produce “full-face” foil pattern design cards, or “full-face” registered hologram cards.

These cards would include the holographic foil pre-laminate as the center sheet in a standard card composition. Utilizing the center sheet composition with a metal layer, the subsequent plastic card could be laser engraved using a standard YAG laser or any other suitable laser, thus removing the metal or material coatings of the holographic layer in one or more of the following: an alpha numeric, barcode or graphic design. The end result is an inexpensive foil composite card that has a unique individualized holographic layer that has been permanently altered.

If a potential counterfeiter attempted to disassemble the card in order to compromise the integrity of the information contained on, or in, the card, it would cause a change in the hologram resulting in the hologram being irreparably damaged. Therefore, plastic cards formed in accordance with the invention are truly tamper resistant and are more secure foil cards than any of the known commercially available cards.

BRIEF DESCRIPTION OF THE DRAWINGS

In the accompanying drawings (which are not drawn to scale) like reference characters denote like components, and:

FIG. 1 is a cross sectional diagram of part of a card (instrument) embodying the invention;

FIG. 2 is a diagram detailing some of the steps in forming a card embodying the invention;

FIG. 2A is a diagram detailing the application of an embossing layer to a core layer to form a card embodying the invention;

FIG. 3 is a cross sectional diagram of part of a card embodying the invention where the core layer includes a transparent material having a high refractive index;

FIGS. 3 a, 3 b, 3 c, 3 d, are cross sectional diagrams of steps in forming a card embodying the invention;

FIG. 4 is a diagram of the cross section of part of a card embodying the invention to which a laser beam is applied to form an additional ablated pattern in a metal layer in accordance with the invention;

FIG. 5 is a diagram of a top view of a card including a holographic portion formed in accordance with the invention;

FIG. 6 is a cross sectional diagram of a card shown in FIG. 5 where all layers are made of clear (transparent) materials;

FIG. 6A is a cross sectional diagram of a card embodying the invention where one, or more, of the layers block the light;

FIG. 7 is a top view of a sheet containing an array of cards illustrating that a laser beam can be applied to all of the cards on the sheet;

FIG. 8 is a cross sectional diagram of a card with an integrated circuit (IC) chip and antenna embodying the invention;

FIG. 9 is a cross sectional diagram of a dual interface card embodying the invention;

FIG. 10 is a cross sectional diagram of a card with a lasered window embodying the invention;

FIG. 11 is a cross sectional diagram of another card with a lasered window embodying the invention; and

FIG. 12 is a cross sectional diagram of still another card with a lasered window embodying the invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

Referring to FIGS. 1, 2 and 2A, there is shown a core 20 comprised of a base layer 21 of a plastic material, which may be, for example, oriented polyester terephthalate (OPET) or polypropylene, or polystyrene, or any number of acrylics and/or a combination of these materials. The base layer 21 is shown to have an upper surface 21 a and a lower, or bottom, surface 21 b. For purpose of illustration, a pattern is shown to be formed on, or above, surface 21 a of layer 21. However it should be understood that, alternatively, the pattern could be formed on surface 21 b. Two different methods of forming a pattern are shown in FIGS. 2 and 2A. The surface 21 a of layer 21 in FIG. 2 is embossed with a diffractive or holographic pattern. In FIG. 2A, the surface 21 a of layer 21 is coated with an embossing layer 200 which is then embossed with a diffractive pattern, 200 a.

A layer 22 of aluminum (or any suitable metal or metal compound such as Zinc Sulfide) may then be vapor deposited on the diffraction pattern to form a hologram. The use of vapor deposition is very significant in that it permits a very thin layer 22, a few atoms thick, to be formed on surface 21 a and thus complete the formation of the hologram, using small amounts of metal. Using vapor deposition, the thickness of the layer can be made very thin so it is nearly transparent and can provide a “see-through” effect. Alternatively, the metal layer can be made a little thicker so as to be more opaque.

As detailed in step 3 of FIG. 2, a clear adhesive primer layer 23 a, may be coated over the patterned and metallized top surface (21 a) and a similar clear adhesive primer layer 23 b may be coated over the bottom surface (21 b) of the layer 21. The core 20 is completed by attaching these clear adhering layer (23 a, 23 b) above and below the embossed base layer 21. The clear layer 23 a, 23 b, is a primer coating. It may be polyethylenamine or an acrylic based, or other, organic adhesive compound with solvent or water based carriers. The primer coatings 23 a, 23 b are fairly thin and yet fairly strong/sturdy. They also function to promote adhesion to layers 24 a, 24 b which are attached to the core 20.

As detailed in step 4 of FIG. 2 clear PE adhesive layers 24 a, 24 b may then be formed/attached to the top (outer) surfaces of their respectively layers 23 a, 23 b. Layers 24 a, 24 b may be of polyethylene (PE) material, or polypropylene (PP), or high density polypropylene (HDPP), or ethylene Vinyl Acetate (EVA), or any of the different forms of PET or any of like materials, or mixtures of these materials. The clear materials used to form layers 24 a, 24 b may contain other clear adhesion promoting compounds (e.g., ethyl acrylates, acrylic acid, etc . . . ). The layers 24 a, 24 b may be fairly thick and function to attach to the thin embossed hologram layer and coatings of core 20. For handling purposes, buffer layers 25 a, 25 b may then be formed/attached to the top (outer) surfaces of layers 24 a, 24 b to complete what is defined as subassembly 30. For example, buffer (carrier) layer (25 a, 25 b) may be laminated to the top and bottom of adhesive layers 24 a, 24 b. Subassembly 30, is thick enough to be handled by automatic credit card manufacturing equipment.

In one embodiment, the base layer 21 was approximately 0.002 inches thick and the adhesive backed layers (23 a, 23 b) were each made to be approximately 0.0001 to 0.0003 inches thick. In other embodiments the layers 23 a, 23 b could be made either thinner or much thicker.

In still other embodiments, adhesive layers can be coated over the buffer or carrier layer and the two (i.e., the carrier and buffer layers on each side of a holographic layer) can be combined with the holographic layer. That is, adhesive can be applied to either side of the carrier foil interface and then pre-laminated together (3 sheets laminated to become one laminate; i.e., the prelaminate prior to platen lamination. Thus, the carrier sheet can hold the sub-assemblies for transfer to substrates for forming cards.

Examining FIG. 2 in greater detail note some of the steps used in forming the core 20.

As shown, for example, in step 1, the base component may be a sheet 21 of plastic (e.g., PET or OPET or polypropylene, or polystyrene, or polymethyl, methacrylate, etc . . . ) material whose thickness typically ranges from 0.0005 inches to more than 0.005 inches. In one embodiment layer 21 was made, for example, 0.002 inches thick.

Then, as shown in step 2A, which may be termed an embossing step, a diffraction pattern may be formed on one side of layer 21. A diffraction pattern may be formed directly in the plastic layer 21 by embossing (e.g., stamping) pattern(s) therein. Forming the pattern in a sheet of plastic (or in an embossing layer, as discussed below) is easier and less wearing on the embossing (stamping) equipment than forming a like pattern in a metal layer.

Then, as shown in step 2B a hologram is formed on one surface (21 a) of plastic sheet 21 by vapor deposition of a metal layer (e.g., aluminum onto the diffraction pattern. Thus, the hologram may be formed by embossing the top surface 21 a to form a diffraction pattern and then metallizing the pattern. The surface 21 a may be coated by the vapor deposition of aluminum (or similar light reflective materials such as nickel, silver, zinc, or other like materials). A significant advantage of using vapor deposition (although many other methods may be used) is that very small amounts of the metal (light reflective material) need to be used to form the hologram resulting in a significant savings in the cost of manufacturing the card (or instrument). Also, very thin layers allow a controllable amount of light to pass through. This enables the manufacture of a card, or document, in which an image (hologram) formed on a card is reflected (i.e., is visible) while also enabling a viewer to “see-through” the image.

Then, as shown in step 3 of FIG. 2, clear adhesive or “primer” coats 23 a, 23 b may be applied to the top and bottom surfaces 21 a, 21 b, respectively, of plastic sheet 21. The primer coat also functions to fill in the ridges resulting from the formation of the diffraction grating. The clear layers 23 a, 23 b which may be of the type described above, may be attached to the top and bottom surfaces of “embossed” plastic sheet 21 on which the aluminum has been vapor deposited. Primer layers 23 a, 23 b may be attached to base layer 21 by any one of a number of methods, such as, for example, gravure coating, roller coating, flexography or other like methods. The primer secures the bond to both sides of the holographic sheet (the embossed side and the blank side). This completes the formation of what is defined herein as the core assembly 20.

Then, as shown in step 4 of FIG. 2, the PE layers 24 a, 24 b, or any other suitable layer, as noted above, which function as an additional buffer between that bond and the outer buffer layers 25 a, 25 b are attached to the core assembly. The PE layers 24 a, 24 b may also include an adhesive which promotes adhesion to the clear primer layers 23 a, 23 b attached to the top and bottom surfaces of layer 21. Layers 24 a, 24 b, 25 a, 25 b may be attached to each other and to the underlying layers by any one of a number of methods such as, for example, platen lamination, hot roll lamination, liquid adhesive lamination.

Thus, as shown in step 4 of FIG. 2, a clear buffer layer 25 a is attached to the PE layer 24 a and a clear buffer layer 25 b is attached to the PE adhesive layer 24 b. All of layers 24 a and 24 b and layers 25 a, 25 b function as buffers, providing additional strength to the structure and at the same time protecting the hologram from being damaged or tampered with. Adding layers 25 a and 25 b completes the sub-assembly 30 which may then be customized to form cards with additional information.

By forming the hologram at, and within, the core level, the hologram will not be easily, or inadvertently, damaged since several additional layers will be attached to the top and bottom of the holographic layer. It is also not subject to easily being tampered or altered. Forming the hologram at the center of the structure minimizes the possibility of tampering while fully protecting the hologram. Another significant advantage of forming the hologram at the core of the structure is that the top and bottom surfaces stay flat due to equal shrinking and/or expansion of all the layers. Note that the card structure is formed so as to be symmetrical about the core layer.

FIG. 2A illustrates another method of forming the hologram. As shown in Step 1A of FIG. 2A, a clear embossing layer 200 may be coated directly over a layer 21 (or 210). Alternatively, a primer coating may be formed on layer 21/210 and then the embossing layer 200 may attached/formed to the primer coating. The embossing layer may be composed, for example, of siloxane, acrylic, vinyl, linear polyester, urethane or any like materials and may be several (e.g., less than 0.5 to more than 5) microns thick. The embossing layers may also be deposited as liquids and radiation cured, possibly in two steps—first as a soft easily embossable coating which then becomes hard and impervious. As shown in step 2A of FIG. 2A, a diffraction pattern is embossed (formed) in the embossing layer/coating 200 to form a desired pattern. Forming a pattern in the embossing layer may be desirable since it is even easier and less wearing on the embossing (stamping) equipment than forming a like pattern directly in the PET layer (as per FIG. 2). After the pattern is embossed on and within the embossing layer 200, the sheet may be processed as per steps 2B, 3 and 4 shown in FIG. 2.

[Note that a hologram may be formed by, for example, embossing a pattern in a carrier base material (e.g., a hard polyester) or by embossing the pattern in a coating previously applied to the carrier base material, or by embossing the pattern in a metal which was previously deposited onto the base carrier material or by depositing the metal onto a soft coating and then embossing.]

Referring back to FIG. 1, note that the core 20 may be part of a subassembly 30 which includes attaching layers 24 a, 24 b of clear PE and buffer layers 25 a, 25 b to the top and bottom surfaces of the core 20. Layers 25 a, 25 b, may range in thickness from 0.001 to 0.005 inches, or more, and may be composed of PVC like materials.

The subassembly 30 may then be used to form a card, or any instrument, by attaching a layer 27 a, 27 b of clear or white PVC material to the top and bottom surfaces of the subassembly 30. As illustrated in FIG. 1, information can be printed either on the outer surface (the surface facing away form the core) of layers 27 a, 27 b or on the inner surface or both. The printed information may include, for example, fixed data fields and advertising, and/or any other desired information. The card (or instrument) may be completed by adding clear PVC laminating films 29 a, 29 b to the top and bottom surfaces of the card.

FIG. 3 is a cross-sectional diagram (not to scale) of a card embodying the invention. FIG. 3 includes a core comprised of a layer 210 which may be (but not be) of the same material as layer 21. In FIG. 3, the top surface 210 a of layer 210 is embossed with a diffraction pattern giving a unique pattern to the structure. A high refractive index (HRI) layer 212 can then be vapor deposited on the embossed layer. Due to the HRI property of layer 212, there is no need to further metallize the layer. The HRI layer may be formed of zinc sulfide or zinc oxide or any material having like properties. Clear primer layer 23 a is attached to the top of HRI layer 212 overlying layer 210 and primer layer 23 b is attached to the bottom of layer 210.

Then, as shown in FIG. 1, clear layers 24 a and 24 b, which may be of PE or any other suitable materials, are attached to layers 23 a and 23 b, respectively and additional layers (25 a, 25 b) of clear (translucent) material may be attached to the top and bottom layers of layers 24 a, 24 b to form the subassembly 30. Additional layers 27 a, 27 b may be attached to the top and bottom layers of the sub-assembly. Information may be written or printed in any known manner on, or in, the layers 27 a, 27 b. Subsequently, laminating films 29 a, 29 b, may be attached to the top and bottom intermediate layers 27 a, 27 b to produce a card 40 whose core contents can not be altered without essentially destroying the card.

FIGS. 3A, 3B, 3C, 3D and 3E illustrate the forming/coating of an embossing layer 200 on stock (e.g., PET) material 210 (FIG. 3A), then embossing layer 200 with a diffraction pattern 200 a (FIG. 3B), then vapor depositing an HRI layer 212 a on the diffraction pattern (FIG. 3C), then coating clear primer layers 23 a, 23 b above layer 212 a and below layer 210 (FIG. 3D) to form a core assembly 20. Then clear PE adhesive layer 24 a is formed above prime layer 23 a and clear PE adhesive layer 24 b, is formed below layer 23 b (FIG. 3E). Note that the steps and thicknesses of the layers to form the basic structures discussed above are summarized in Table I, below.

FIG. 4 includes a cross-sectional diagram (not to scale) of a portion of a card embodying the invention, which may be part of a sheet (not shown) on which a large number of cards are formed, and depicts a piece of laser equipment 410 for “lasering” (e.g., engraving or vaporizing) metal layer 22. The core assembly 20 is shown to have a layer 22 of aluminum deposited and embossed as discussed for FIGS. 1, 2, and 2A, above. Portions of the metal layer may be vaporized (see sections 401 a, 401 b, 401 c) by the laser equipment 410 such that portions of the metal are selectively removed or “ablated” by “lasering” (e.g., eliminating or vaporizing) the metal to form any number of different patterns (e.g., graphic as well as alpha numeric information may be generated). The clear layers 29 a, 27 a, 25 a and 24 a may be selected to be transparent to the laser wavelength. Consequently, the laser beam can pass through the clear layers of the card to “write” on the holographic layer below the top surface of the card. The laser 410 may be applied at several different stages of the card manufacturing process to form the desired patterns. Thus, the laser may be applied to “write” on the metal layer after the core 20 is formed and before the attachment of the carrier layers 24 a, 24 b and 25 a, 25 b. Alternatively, the laser 410 may be applied to form the desired pattern in the metal layer after the layers 24 a, 24 b, and 25 a, 25 b are attached to the core layer, and before layers 27 a and 27 b are attached. Still further, the laser may be applied to form the desired pattern in the metal layer after the layers 27 a, 27 b are attached and before the layer 29 a, 29 b, are attached. Finally, the laser may be applied to form the desired pattern in the metal layer after the layers 29 a, 29 b are attached, when the cards may be part of a full sheet or in individual card shape.

FIG. 5 shows a top view of a card 100 illustrating that the hologram may be ted within a designated window or area 101, shown in portion 601. Alternatively the hologram may extend the full length and/or width of the card 100. Note that alpha numeric information may be produced by lasering within the holographic layer (e.g., layer 22 in FIG. 4 shown in portion 602). Also, alpha numeric information may be produced by printing information on, or within, layers 27 a, 27 b, as discussed above.

FIG. 6 is a cross-sectional diagram (not to scale) of card 100 of FIG. 5 and is intended to show that the layers above and below the holographic layer, 21, 22/212, may be transparent or translucent to yield a “see-through” card with the hologram portion 601 and the lasered portion 602 being visible from the top side or from the bottom side of the card. Note that if layers 27 a, 27 b are made of a white material a bright light may be needed to observe the “see-through” effect.

FIG. 6A is a cross-sectional diagram (not to scale) intended to show that the layers above the holographic layer 21, 22/212, may be transparent or translucent so the holographic pattern may be seen from the top. At the same time, one or more of the layers below the holographic layer (e.g., 27 b or 29 b) may be opaque so as to block the hologram from being seen from the bottom. Making the top portion of the card transparent and the bottom portion opaque is by way of illustration and the reverse could be done instead.

FIG. 7 shows the application of a laser beam generated by laser equipment 410 to a sheet 5 containing a large array of cards 100 in sheet form embodying the invention. The laser may be applied to the entire sheet of cards which may be at the core stage, the sub-assembly stage, or any of the stages thereafter. Being able to apply the laser beam in this manner, at any time before the cards are separated from a sheet, is economically advantageous and saves much in the cost of handling and also adds significant additional security.

FIG. 8 illustrates that cards embodying the invention, shown in the various figures, may be modified by the addition of a semiconductor chip containing selected electronic circuits (an integrated circuit, IC) within the body of the card in, or within, a layer 30 dedicated to include an antenna carrier, with the antenna being connected to the chip module. This enables the manufacture of a radio frequency identification (RFID) card. Note that the metal layer 22/212 can act as a radio frequency shield to reduce reception from that side of the RFID antenna.

FIG. 9 illustrates that the chip (IC) and an antenna and carrier may be formed within a layer of the card and that, in addition, the chip may be accessed (read) by providing an external contact 901 along one side of the card. This type of card may be referred to as a dual interface card since it enables information on the card to be read or written via RFID and contact.

FIG. 10 illustrates that a window or opening can be formed by lasering through the metal layer within core layer 20 to enable the color or pattern of an underlying layer (e.g., 27 b) to be seen from the top side of the card. Lasering through the metal layer forms (or opens) a window exposing an underlying layer (e.g., 27 b) which may be black or white or colored or be of any preset pattern.

FIG. 11 illustrates that a window or opening can be formed by lasering the metal layer within core layer 20 to enable a preprinted image formed on an underlying layer (e.g., 27 b) to be seen from the top side of the card. Here again lasering through the metal layer forms a window enabling the seeing or reading of a pre-printed pattern on an underlying layer (e.g., 27 b).

FIG. 12 illustrates that a window or opening can be formed by lasering through the metal layer within core layer 20 to provide a “see-through” condition. That is, lasering through the metal layer forms a window which provides visibility through both sides (top and bottom) of the card. This may be viewed by applying a light source such as a flashlight in direct contact with one side of the card and viewing the light pattern on the other side.

TABLE I Example of Steps and materials in forming core, sub assembly and card step I II III IV 1 Start with Start with Start with Start with base/central base/central layer base/central base/central layer 21/210 21 of PET/OPET layer 21/210 layer 21 of of PET/OPET material material of PET/OPET PET/OPET material material 1A Deposit Deposit embossing layer embossing 200 on one surface of layer 200 on layer 21/210 one surface of layer 21/210 2 Emboss one surface Emboss top Emboss one Emboss top surface of of base layer 21 with surface of surface of base embossing layer 200 pattern embossing layer 21 with with pattern 200a layer 200 with pattern pattern 200a 3 Vapor deposition of Vapor Vapor Vapor deposition of HRI metal 22 on pattern deposition of deposition of coating 212 on pattern metal 22 on HRI coating 212 pattern on pattern 4 Apply clear primer Apply clear Apply clear Apply primer clear coats coats 23a, 23b to primer coats primer coats 23a, 23b to top and top and bottom 23a, 23b to top 23a, 23b to top bottom Where primer Thickness: and bottom and bottom coat 23a, 23b .00002-.0002 Thickness: Thickness: Thickness: .00002-.0002 .00002-.0002 .00002-.0002 5. Form clear PE Form clear PE Form clear PE Form clear PE adhesive adhesive layers 24a, adhesive layers adhesive layers layers 24a, 24b fairly 24b-fairly thick, 24a, 24b fairly 24a, 24b fairly thick, sticky sticky thick, sticky thick, sticky Thickness: Thickness: Thickness: Thickness: .0005-.005 .0005-.005 .0005-.005 .0005-.005 6. Form clear buffer Form clear Form clear Form clear buffer layer layer 25a, 25b of buffer layer buffer layer 25a, 25b of PVC material PVC material 25a, 25b of 25a, 25b of thickness thickness PVC material PVC material .0008-.005 .0008-.005 thickness thickness .0008-.005 .0008-.005 7. Form clear white Form clear Form clear Form clear white PVC PVC layer white PVC white PVC layer white PVC layer layer 27a, 27b layer 27a, 27b 27a, 27b 27a, 27b Thickness .004 to .012 Thickness .004 to Thickness .004 Thickness .004 .012 to .012 to .012 8. Form PVC Form PVC Form PVC Form PVC laminating laminating film 29a, laminating film laminating film film 29a, 29b 29b 29a, 29b 29a, 29b Thickness .0008 to .005 Thickness .0008 to Thickness Thickness .005 .0008 to .005_(—) .0008 to .005 All dimensions in inches 

What is claimed is:
 1. A multilayered composite card comprising: a plastic layer which includes an integrated circuit (IC) containing electronic circuitry to which is connected an antenna for enabling contactless radio frequency (RF) communication with an external reading device; and a metallic layer located above said plastic layer, said metallic layer producing a visible pattern in response to incident light.
 2. A multilayered composite card as claimed in claim 1 further including at least one window formed in the metallic layer.
 3. A multilayered composite card as claimed in claim 2 wherein said at least one window formed in the metallic layer is formed by lasering the metallic layer.
 4. A multilayered composite card as claimed in claim 2, wherein said plastic layer is a first plastic layer, and wherein said multilayered composite card includes: (a) a second plastic layer, overlying the first plastic layer, formed between the first plastic layer and the metallic layer; and (b) a third plastic layer underlying the first plastic layer, and wherein graphic material is printed on selected ones of said second and third plastic layers.
 5. A multilayered composite card as claimed in claim 1, further including an electrical contact assembly formed along one side of the card for accessing the IC for enabling the card to be read or written by direct contact via said contact assembly as well as in a contactless manner via said RF communication.
 6. A multilayered composite card as claimed in claim 1, wherein said metallic layer acts as a radio frequency shield reducing wireless reception; and wherein at least one window is formed in the metallic layer.
 7. A multilayered composite card as claimed in claim 1, wherein said metallic layer is patterned and modified to customize the card
 8. A multilayered composite card as claimed in claim 2, wherein said metallic layer is formed on a base plastic layer which together with the metallic layer form a core subassembly; and wherein the core subassembly is attached via a plastic buffer layer to the plastic layer which includes the IC.
 9. A multilayered composite card as claimed in claim 8 wherein said base plastic layer is embossed to form a pattern and wherein said metallic layer is formed thereon to produce a patterned metallic layer and wherein at least one selected window is formed within said metallic layer.
 10. A multilayered composite card as claimed in claim 1, wherein said metallic layer is patterned with windows selectively formed within the metallic layer.
 11. A card comprising: a core subassembly including a metal layer; additional layers stacked with, and attached to, said core subassembly, an integrated circuit (IC) containing selected electronic circuits mounted on, or within, one of said additional layers; an antenna located on, or within, one of said additional layers connected to said IC for enabling contactless radio frequency communication with an external device; and at least one window formed within the metal layer.
 12. A card as claimed in claim 11, wherein the window is formed by lasering the metal layer.
 13. A card as claimed in claim 11, wherein the metal layer is selectively modified to customize the card.
 14. A method for making a card comprising the steps of: stacking a plurality of plastic layers with one layer of said plurality of plastic layers including an integrated circuit (IC) containing electronic circuitry and an antenna connected to the IC for enabling contactless radio frequency (RF) communication; forming a metallic layer overlying and attached to said plurality of plastic layers; and forming at least one window in said metallic layer.
 15. A method as claimed in claim 14 wherein the step of forming at least one window includes lasering a selected area of the metallic layer to form said at least one window.
 16. A method as claimed in claim 14 wherein the metallic layer is patterned by embossing a pattern on a plastic layer selected from said plurality of plastic layers and depositing a metal layer on the pattern embossed on said selected plastic layer.
 17. A method as claimed in claim 14 wherein the metallic layer is formed by vapor deposition to form a thin layer; and further including the step of lasering the metallic layer to personalize the card.
 18. A method as claimed in claim 14, wherein the step of forming at least one window includes applying a laser to the metallic layer for selectively ablating selected portions of the metallic layer.
 19. A method for forming a card comprising the steps of: forming a metal layer on and overlying a base plastic layer; attaching a first number of (clear) plastic layers, overlying the metal layer, to the metal layer; attaching a second number of (clear) plastic layers, underlying the base plastic layer, to the base plastic layer; said second number of plastic layers including an integrated circuit (IC) containing selected electronic circuits and an antenna connected to said IC for enabling contactless radio frequency communication with an external device; and selectively modifying the metal layer to customize the card.
 20. A method for forming a card as claimed in claim 19, wherein the step of selectively modifying the metal layer includes using a laser to ablate selected portions of the metal layer.
 21. A method for forming a card as claimed in claim 20, wherein the step of attaching the first number of plastic layers includes attaching a first clear plastic buffer layer to and overlying the metal layer via a clear adhesive primer layer; and wherein the step of attaching the second number of plastic layers includes attaching a clear plastic buffer layer to and underlying the base plastic layer.
 22. A method of forming as card as claimed in claim 9, wherein the metal layer is patterned. 